Qafaalashada Mushahar/Xisaabta Bankiga Iyo Xuquuqda Aan Leeyahay

Qafaalashada xisaabta bangiga ama mushaharka waa marka uu la wareego xisaabtaada bangiga ama mushaharkaaga si uu kaaga qaado lacagta ay maxkamaddu u xukuntay inuu kugu leeyahay. Suurogal ma aha in aad sameyso arrintan ilaa ay maxkamad kuu xukunto ama uusan qofka kale ka soo jawaabin dacwad loo heysto. Waxaa suurogalah in aan laguu soo sheegin in xisaabtaada ama mushaharkaaga la qafaalanayo.  

Mararka qaarkood lacagtaada sharciga ayaa ilaalinaya oo ka hortagaya in aan la qafaalan - taasoo lagu magacaabo “xaalado gaar ah”ama “laga reebay.” Xogtan urursan ayaa kaa caawineysa in aad ogaato haddii lacagtaada ama hantidaada ay ku jirto xaaladaha gaarka ah. 

Waxa jira 2 xaaladood oo si toos ah ugu jira.  

• Qolada aad u shaqeysaa kama jari karto lacag jeegaaga shaqada haddii aad kasbato lacag ka yar $380 asbuucii ($1,520 bishii). Hadii aad ka kasbato lacag ka badan $380 asbuucii, ugu yaraan 75% lacagta aad kasbato canshuurta ka dib lama taaban karo oo waa la ilaalin. In badan oo ka mid ah lacagta aad kasbato waxaa laga yaabaa in laga reebi qabsashada. Waxa ay mar walba ku xiran tahay taasi inta ay tahay lacagta aad ku shaqeyso.
   
• Lacagtaada xisaabta bangiga lama qafaalan karo haddii ay toos ugu dhacdo lacagta Ceymiska Bulshada (RSDI), SSI ama macaashka ee dawladdu bixiso oo laga dhaafay oo xisaabtaada bangiga ay ku jirto lacag u dhiganta midda aad 2 bilood ka hesho ceymiska bulshada.  

Tan kale ee ku xusan halkan waa mid aan si toos ah looga dhaafin. Waa in soo dirtaa “sheegasho in laga dhaafay” ah si aad uga hortagto in lacagtaada la qafaasho. Foomka aad ku codseysaneyso boostada ayaa laguugu soo diray. Waxa kale oo ka heli kartaa barta internetka. 

Haddii aanay lacagtaadu ku jirin xaaladaha gaarka ah, isku day in aad heshiis la gaarto shirkadda ama qofka maxkamaddu u xukuntay. Waxaa laga yaabaa in ay ogolaadaan qorshe aad lacagta tartiib tartiibu bixiso. haddii aad heshiis gaartaan, qoraalka dhiga oo labadiinuba saxiixa. Nuqul (koobi) ka reebo.  

Waxaa laga yaabaa inuu ku caawin karo la taliye xagga deyn qaadashada ah. La xiriir hay’adda Qaranka ee La Talinta Deymaha (NFLC) ee 1(800) 388-2227 xafiiskooda degaanka. Ka Digtoonoow shirkadaha dadka lacagta ka qaata si ay u soo celiyaan sumcadaada deyn qaadashada ama kuu sheega in ay joojinayaan in aad lacag bixiso. Qaar badan oo ka mid ah waa been abuur! 

Fiiro gaar ah: Liiskan kama mid aha dhamaan barnaamijyada baahida ku saleysan.

Waxaa jira barnaamijyo kale oo ku saleysan baahida oo laga yaabo in aan loo qadan karin lacagta xukunka maxkamadda. Tusaale waxa u noqon kara barnaamijyadaas Cuntada Dugsiyada iyo Barnaamijka kala Dheereynta Dhalaanka.

Haddii aad wax su’aal ah ka qabto xaaladaha gaarka ah ee laga dhaafo, ka wac xafiiska gargaarka sharciyada (legal aid) ee deegaankaaga 1-(877) 696-6529. Ama ka eeg caawimaad barnaamijyadda kale ku jira barta: www.lawhelpmn.org/so/providers-and-clinics. 

Barnaamijyada sida Ceymiska Bulshada (Hawlgabka, dadka Leh Dhaxalka, ama Ceymiska naafada), macaashka la siiyo dadka ka tagay ciidamada lagama qaadan karo lacag xukun maxakamadeed ah. Lacagtaas sharciga ayaa ilaaliyey marka ay xisaabtaada ku jirto wax ka yar macaashka aad ka hesho 2 bilood. Haddii ay xisaabta kuugu jirto wax ka badan macaashka 2 bilood, lacagta dheeraadka waa lagaa qaadan karaa - weli waad ka hortegi kartaa in aan la qaadan laakiin waa in aad codsataa. Haddii aadan hubin in gargaarka lagu siiyo laga dhaafay in la qaadan karo la tasho qareen ama xafiiska legal aid ee degaanka. 

LAAKIIN,mararka qaar oo lacagtaas aanay MARNA la badbaadin karin. La tasho qareen haddii uu qof kugu handado inuu qaadanayo lacagtaada gargaarka.  

Tusaaale ahaan: 

• Lacagta Ceymiska Bulshada waa la qaadan karaa si loogu bixiyo lacagta daryeelka caruurta (Child support), amaahda ardayda iyo canshuurta dakhliga. . Waxaa waajibah in aad digniin ka hesho IRS ka hor inta aan talaabadan la qaadin. 
   
• Sidoo kale, waxaa la yareyn karaa ama la joojin karaa lacagaha lagu siiyo haddii ay degmadu go’aan ku gaarto in aad qaadato lacag aadan xaq u laheyn.Akhri warqadda xogta urursan ee Bixinta Dheeraadka Ah ee MFIP, GA, MSA iyo SNAP.  

• Marka laga reebo dakhliga horey xisaabta ugu jirey 20 ama 60 cisho ka dib marka aad ku shubtay bangiga. Akhri qeybta hoose “Lacagta malaga qaadan karaa jeegga mushaharka?”
   
• Lacagta bangiga kuugu jirta waa mid la reebay inta badan noocyada loo qaadin karo deyn bixinta haddii ay kaa soo gashay:
  • Gargaarka dawladda ee ku salaysan baahida iyo inta badan gargaarka dadweynaha (akhri qeybta kore).
  • Lacagta ceymiska dadka shaqada ka dhamaato
  • Lacagta ceymiska magdhawga shaqaalaha
  • (Inta badan) lacagta hawlgabka
  • Lacagta ceymiska dhaxalka.
  • Lacagta dadka ka taga ciidamada
  • Dakhliga soo gala caruurtaada
  • lacagta daryeelka caruurta (Child support) ee lagu siiyey
  • Lacagta ceymiska ee dhisme leh aqoonsiga canshuur dhaafka
  • Lacagta ceymiska naafada
  • Lacagta Canshuurta uga soo noqota Dakhliga la kasbado (EITC) iyo Kiridhidka Qoyska Shaqeeya ee Minnesota.
     
• Lacagta deynta ardayda inta badan waa laga dhaafay laakiin deymaha kale lagama dhaafin. 
   
• Mararka qaarkood lacagta uu ilaaliyo sharcigu ma aha mid laga daayey in la qaato haddii loo qaadanayo deyn bxinta ay ka mid tahay:
  • lacagta daryeelka caruurta (Child support).
  • lacagta labada kale tagtay maxkamad u kala qaado
  • amaahda ardayda ama
  • canshuuraha 
     
• Hadiyadaha, iyo dad kale lacagtooda, ma aha mid sharcigu ka ilaaliyo in la qaato marka ay ku jiraan xisaabtaada bangiga. LAAKIIN haddii aad xisaabta wadaagtaan, lacagta qof kale sharciga ayaa ilaalinaya haddii aysan deynta wax ku laheyn. La tasho qareen si degdeg ah. 

Haddii uu deyn bixiyuhu ku siiyo ogeysiiska qafaalshada lacagta, raac tilmaamaha ku xusan ogeysiiska.   Haddii dakhligaaga laga daayo qafaalashada, cadeyn u soo dir deyn bixiyaha.  Nuqulka (koobi) ka reebo wax kasta oo aad dirto. Telefoon aad soo dirto kuma filna.

Bankigu waa inuu kuu soo diraa ogeysiis qoraal ah iyo foomamka ka dhaafidda ka dib marka la xayiro xisaabtaada.  Haddii lacagtaada laga daayey in la xayiro (kor arag) buuxi LABADA ogeysiis ee xayiraad ka dhaafidda.    Mid u dir qofka ama shirkadda lacagtaada qaadaneysa midna u dir bangiga. Nuqul (koobi) ka reebo.

Waa in aad warbixinta bangiga ee 60 maalmoodee u dambeeyay u dirtaa deyn bixiyaha iyo cadeynta in lagaa daayey xayiraadda lacagta.   Tusaale ahaan, haddii xisaabtaada bangiga loo dhacay 12kii abriil waxaa lagaa doonayaa in aad soo dirto warbixinta bangiga intii u dhaxeysay 12ka Febraayo ilaa 12ka Abriil.    Haddii aanay xisaabtaada bankiga kugu cadeyn halka ay lacagta kaa soo galeyso, waa in aad soo dirtaa cadeynta aad lacagta bangiga ku dhigatay iyo in ay kaa soo gashay goobaha la ogol yahay in aan lacagtooda la qaadan karin.  

Haddii aanu deyn bixiyuhu diidin 6 maalmood gudahood oo maalmaha shaqada ah, waa in bankigu lacagta dib ugu soo celiyaa xisaabta.   Haddii aanay bangiga soo gaarin ogeysiiska in lagaa dhaafay qabsashada lacagta, lacagtaada way heynayaan ama siinayaan deyn bixiyayaasha.   Weli waad codsan kartaa in lagaa daayo qabsahada lacagta 14 cisho ka dib iyada oo lacagtal  oo diray deyn bixiyayaasha, laakiin waxa ay qaadataa muddo dheer in lacagtaada laguu soo celiyo.   

Jeegaaga mushaharka gebi ahaanba waxba lagama qaadan karo haddii:

• Lagu siiyo ama horey u qaaday gargaarka dawladda ee ku saleysan baahida 6dii bilood ee la soo dhaafay (arag qeybta ee ku saabsan gargaarka dawladda) 
   
• Waxa aad ku jirtay ama goob dadka lagu hayo 6dii bilood ee la soo dhaafay. 

2dan qodob waxa ay jeegaaga mushaharka ka dhigayaan mid aan waxba laga qaadan karin 60 maalmood ka dib marka aad ku shubto xisaabta bangiga. 

• Sharcigu ma ogola in mushaharka oo dhan lagaa wada qaato - xitaa haddii aadan qaadan gargaarka dadweynaha.Inta badan, waxa ay qaadan karaan ilaa 25% lacagta canshuurta ka dib marba haddii lacagta kaaga soo hareysa jeegga todobaadka ay tahay $380 todobaadkiiba. In badan oo ka mid ah lacagta aad kasbato waxaa laga yaabaa in laga reebi qabsashada. Waxa ay mar walba ku xiran tahay taasi inta ay tahay lacagta aad ku shaqeyso.
   
• 20 MAALMOOD KALIYA “Xadka 25%” waa mid loo adeegsanayo jeegga shaqada ee lagu shubay xisaabtaada bangiga – laakiin 20 cisho oo kaliya.   Tusaale: haddii aad bankiga dhigatay lacag dhan $1000 oo ah musharka, $250 ayaa loo qaadan karaa xukunka maxkamadda $750 kale waxaa la qaadan karaa 20 cisho ka dib.
   
• LAAKIIN- haddii lacagta loo qaadanayo taageerada dhaqaale ee Caruurta (child support) waxaa laqaadan karaa ilaa 65% dakhliga ku soo gala.
   
• FIIRO GAAR AH: Siddoo kale, lacagta ku soo gasha waa laga reebi qabshashada haddii aad iskaa u shaqeysato, ama aad u shaqeyso siddii qandaraasle madax-banaan oo kale.  

Waxaa laguu soo dirayaa ogeysiis ugu yaraan 10 cisho ka hor inta aan jeegaaga lacag laga jaran marka ugu horeysa.  Si aad u ogaato in lacagtaada sharciga ka dhaafay in laga jarto (akhri qeybta kore). Haddii dakhligaaga laga dhaafay, buuxi foomka ogeysiiska ka dhaafidda lacagta lagaa jaro ee ku lifaaqan warqadda. 1 nuqul oo ka mid ah u dir qofka ama shirkadda dooneysa in jeegaaga lacag ka qataan, 1 nuqul u dir goobta shaqada adiguna nuqul ka reebo.    Sidaas yeel sida ugu dhaqsaha badan. Haddii aadan sidaas yeelin 10 maalmood gudahood, weli waxa aad codsan kartaa in la joojiyo lacagta laga qaadanayo jeegaaga, laakiin waxa ay qaadaneysaaa muddo dheer in aad joojiso oo lacagtaada dib u soo ceshato.  Telefoon aad soo dirto kuma filna.

Waxa aad wici kartaa deyn bixiyaha oo aad weydiisan kartaa goorta ay lacagtaada kuu soo celiyaan. Waxaa suurogal ah in deyn bixiyuhu ku weydiiyo macluumaad dheeraad ah ama cadeyn, sida warbixinta gargaarka lagu siiyo.   Waxaa suurogal ah in lacagtaada si degdeg ah laguugu soo celiyo haddii aad dirto cadeynta lagu soo weydiisaty.  Waxaa laga yaabaa in ay haboon tahay in aad qareen la tashato si aad u cedeyso in lagaa dhaafay lacag qaadashada.   

Haddii uu deyn bixiyuhu doonayo macluumaad dheeraad ah oo ku saabsan codsigaaga, waa in ay codsadaan dhageysi maxkamadeed muddo 6 maalmood ah oo maalmaha shaqada ah si loo eego in lacagtaada laga dhaafay.    Waxa ay kuu soo dirayaan foom ay ku cad yihiin sababaha ay ku diideen iyo xiliga dhageysiga maxkamadda.  Haddii aad heyso cadeyn dheeraad ah, mar kale waad soo diri kartaa.   Waxaa suurogal ah in aad heshiis gaartaan dhageysiga ka hor.

Haddii dhageysiga la qabto xusuusnoow in aad keento dhamaan cadeymaha kaa caawinaya in aad cadeyso in lagaa dhaafay.  Haddii ay xayiraad ku soo rogeen lacagta bangiga kuu taal, waa in aad maxkamadda keentaa warbixinta bangiga ee 60kii maalmood ee u dambeeyey.  Sidoo kale in aad keentaa cadeyn halka ay kaa soo gashay lacagta lala baxay si aad u cadeyso in sharcigu ilaalinayo. 

Haddii aadan imaan karin taariikhda loo qabto dhageysiga, waxa aad maxkamadda weydiisan kartaa in dhageysiga maalin kale la qabto - waa in aad tan codstaa dhageysiga ka hor.     La xiriir maxkamadda sida ugu dhaqsaha badan si aad ula socodsiiso in aad maalin kale u baahan tahay in la qabto dhageysiga. .  Fiiro Gaar Ah: in taariikhda la bedelo maxkamadda ayaa go’aan ka gaareysa. Waxaa suurogal  ah in aysan bedelin taariikhda dhageysiga.

MUHIM: Haddii aadan codsan in la joojiyo qaadashada lacagta ama aad weydiisan karto dhageysi maxkamadeed waqta ku haboon, dib ayaad ka codsan kartaa.    Marna ma waayeysid xaqa aad u leedahay in aad joojiso in lacagtaada la qaato ama laguu soo celiyo lacagta horay loo qaatay. Marna haku kalsoonaan talada deyn bixiyayaasha ama kuwa lacagta u soo ururiya.

• Minn. Stat. §571.71 - Garnishment; When authorized.
   
• Minn. Stat. §571.72 - General garnishment provisions.
   
• Minn. Stat. §571.73 - Property attachable by garnishment; Good faith requirement.
   
• Minn. Stat. §571.74 - Garnishment summons and notice to debtor.
   
• Minn. Stat. §571.75 - Garnishee disclosure.
   
• Minn. Stat. §571.911 - Exemption notice; Duty of financial institution.
   
• Minn. Stat. §571.912 - Form of notice, instructions, and exemption notice.
   
• Minn. Stat. §571.913 - Effect of exemption notice.
   
• Minn. Stat. §571.914 - Objection to exemption claim.
   
• Minn. Stat. §571.915 - Release of funds.
   
• Minn. Stat. §571.922 - Limitation on wage garnishment.
   
• Minn. Stat. §571.924 - Garnishment exemption notice.
   
• Minn. Stat. §571.925 - Form of notice.
   
• Minn. Stat. §571.926 - Proceedings if no exemption statement is received.
   
• Minn. Stat. §571.93 - Garnishment before judgment or default.
   
• Minn. Stat. §571.931 - Prejudgment garnishment before notice and hearing.
   
• Minn. Stat. §571.932 - Prejudgment garnishment after notice and hearing.